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SOA - Any ideas ?
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 975 Partners monthly income after tax....... 1800…
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500 days til the Olympics!
I saw this headline this morning and thought there must be a challenge we can do in conjunction with the big count down! Only problem is in my tired lack of imagination I can't think of what!!! Any ideas...? I'm thinking maybe a pound a day or clear a debt by Jully 2011? Or maybe do one thing a day to help clear debt, even…
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My Statement of affairs
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1811 Partners monthly income after tax....... 0…
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advice on repairing credit rating... I have 5 defaults though...
Hi All I am looking for a bit of advice from anyone who can help really! I recently got my statutury credit report and I knew that I had some defaulted accounts, but didn't really know the extent.... However, I am now paying back all of the accounts that I owe money to :) Obviously, the position that I am in at the moment,…
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Little officiate made my day! :)
I just rang the council tax office to query next years bill and a boy, yes about 12 by the sound of him, answered the phone, 'Thank you for calling the Bristol Council tax offices, your speaking to Mr. Winston how can I help you today?' I was so taken aback that I ask again who I was speaking to. 'Mr Winston' he said,…
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Council Tax Liabilty Order
I currently have an empty property and council tax is due for the last part of the financial year of £245. I advised the council that I could make this payment in one go and offered a monthly option. I was told that they could not accept this and a liabiliy order would have to be made, then they could accept a payment…
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Tuesday 15th March - What small DFW things will you be doing today?!
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Spending too much on food
First of all sorry if this is in wrong place. I know how helpful dfw'ers are. Been on this site for a long time now and managed to pay off debts with a lot of peoples help. Now gone self employed and its working out ok-ish. But have taken a contract away from home during the week for the next 3 months that I hope will get…
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Finances need readjusting after life changing night!!
Well we are pregnant! Due in November which means my DFplan wont quite work. Its very early days and hoping to work til end of October, with maybe 3 months off work?? hopefully going back to the same job - will have to see what my bosses say! SOOOO - do I carry on making my CC overpayments? OR save, save save..... Just…
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Left with lots unsecured CC Debt after relationship breakup
Folks Really not knowing which way to turn at the moment so would appreciate your helpful advice. Give you a bit of backkground. Long term relationship failed and I've been left with approx 23k of unsecured Credit card debit although I do still have the home (mortgaged). Now i have been managing this debt along with all…
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Council Tax Banding
My friend two doors up recently told me that me and 6 other neighbours (including herself) were on a higher council tax banding that everyone else in our street. She told me to go onto the assessors website and put in a claim. We only discovered this because another house is up for sale and you now know from the home…
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Advice on setting up a DMP
I am in the process of getting together my paperwork for a DMP. CCCS have calculated my payment should be £750, I am actually paying about £1000 at the moment. Will the fact that I can pay not much short of the minimum payments mean that my creditors are less likely to consider stopping/reducing interest? One of the cards…
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My statement of affairs
Monthly Income Details[/b] Monthly income after tax................ 1150 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 1150 Monthly Expense Details Mortgage................................ 0…
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Debt Advice for a friend
My friend was made redundant in February 2010, she received a redundancy package in the region of 10k. At present she is strictly speaking unemployed but gets an occasional income from causal work. She is struggling with crippling bank charges of around £200 per month because of unpaid direct debits due to exceeding her…
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goverment debt settlement order
hello i recieved a txt to my phone today saying that the goverment has introduced a debt settlement order which is suppose to wipe off all your debt i believe its a scam as i have not heard of it before now so has anyone else recieved this txt message or heard of any scheme of this nature wouldnt it be good if it does…
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Debt and no way out..
I am currently trying to fight my way out of my debt but am finding it very difficult, and it has now got to the point where I am being rejected for a switch in mobile phone contract. I currently bank with 1 bank and have with them: - 1 current a/c with a £2500 overdraft limit - I am currently using £2200 of this per month…
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HFO Services HELP please.
Hi This is my 1st time posting in a forum so hopefully this is in the correct place. I am writing to ask if anyone can help me with a HFO service letter i received on Friday. I have read across several posts on here and other sites and am getting confused about what actually to do regarding this, sorry for being dumb. The…
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2 Companies Claiming Same Debt - DLC & Apex
I posted on 22nd February that I had had letters and then a call from DLC telling me that I had to pay them £1000 to stop Court action for an Egg loan, then had to agree to pay £189 per month thereafter, total of loan is approx £4,800. Today i've had a letter from Apex Debt Management telling me that I owe them the £4,800…
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Council Tax & Bailiffs question
My mate has got himself in a bit of a mess. He agreed a repayment plan for his outstanding CT after they got a Liability Order on him for £50pcm. He then realised that he could only pay £20 pcm but the council rejected his revised offer. They have now sent him asking for the outstanding amount of £685 to be paid…
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What can a DCA do?
I've read a lot on the forum about what rights a bailiff has regarding debtors property, but can't find much about debt collection agencies. Do they have any rights at all or do they just go after you in the hope that you'll pay up?
